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How to Get a Mortgage loan originator License in Montana (2026)

Quick answer

A Montana license is required for residential mortgage loan originators unless exempt under 32-9-104; sponsorship by a Montana-licensed company or branch is required.

Required hours

20 hours of pre-licensure education plus 2 hours of Montana-specific education.

View official source

Exam

National SAFE MLO Test Component with uniform state content.

View official source

Renewal

All Montana licenses must be renewed annually between November 1st and December 31st through the Nationwide Multistate Licensing System (NMLS).

View official source

Continuing education

8 hours

View official source

Last verified Oct 25, 2026

How do I get this license?

  1. Check the licensing authority

    Board

    Montana Division of Banking and Financial Institutions

    Last verified Oct 25, 2026 — source and quotation
    The Montana Division of Banking and Financial Institutions does all of its licensing through the Nationwide Multistate Licensing System (NMLS).
    Official source

    Official agency page

    Open the official agency page

    Last verified Oct 25, 2026 — source and quotation
    The Montana Division of Banking and Financial Institutions does all of its licensing through the Nationwide Multistate Licensing System (NMLS).
    Official source
  2. Check your qualifications

    Required hours

    20 hours of pre-licensure education plus 2 hours of Montana-specific education.

    Last verified Oct 25, 2026 — source and quotation
    All new loan originator applicants must first complete 20 hours of pre-licensure education (PE) plus 2 hours of Montana-specific education before they can apply for a Montana license through NMLS.
    Official source

    Exam

    National SAFE MLO Test Component with uniform state content.

    Last verified Oct 25, 2026 — source and quotation
    The Montana Division of Banking and Financial Institutions has adopted the National SAFE MLO Test Component with uniform state content effective July 1, 2013.
    Official source
  3. Prepare your application

    Apply with the agency

    Open the official agency page

    Last verified Oct 25, 2026 — source and quotation
    The Montana Division of Banking and Financial Institutions does all of its licensing through the Nationwide Multistate Licensing System (NMLS).
    Official source

    Reciprocity

    Education credit: qualifying NMLS-approved continuing education completed for another state is credited toward Montana CE.

    Last verified Oct 25, 2026 — source and quotation
    A person who has successfully completed the education requirements that comply with the requirements of subsections (1) and (2) and that are approved by the NMLS for any other state must be given credit toward completion of continuing education requirements in Montana.
    Official source
  4. Confirm your next step with the agency

    Review the official instructions for your situation before applying.

    Open the official agency page

What else should I know?

Agency guidance

A Montana license is required for residential mortgage loan originators unless exempt under 32-9-104; sponsorship by a Montana-licensed company or branch is required.

Last verified Oct 25, 2026 — source and quotation
The Montana mortgage loan originator license is for any residential mortgage loan originator, unless exempt under 32-9-104 Montana Mortgage Act - Proof of Exemption. Loan Originators are required to be sponsored by a MT-licensed company or branch.
Official source

Agency guidance

Renew through the agency's annual-renewal instructions: https://banking.mt.gov/BFID/renewal

Last verified Oct 25, 2026 — source and quotation
All Montana licenses must be renewed annually between November 1st and December 31st through the Nationwide Multistate Licensing System (NMLS).
Official source

When do I renew, and is CE required?

Renewal

All Montana licenses must be renewed annually between November 1st and December 31st through the Nationwide Multistate Licensing System (NMLS).

Last verified Oct 25, 2026 — source and quotation
All Montana licenses must be renewed annually between November 1st and December 31st through the Nationwide Multistate Licensing System (NMLS).
Official source

Renewal period in years

1 years

Last verified Oct 25, 2026 — source and quotation
All Montana licenses must be renewed annually between November 1st and December 31st through the Nationwide Multistate Licensing System (NMLS).
Official source

Continuing education hours

8 hours

Last verified Oct 25, 2026 — source and quotation
MLOs must complete 8 hours of Continuing Education (CE) in order to renew their license.
Official source

Continuing education topics

No Montana-specific CE is required; CE is not required in the year pre-licensure education is completed.

Last verified Oct 25, 2026 — source and quotation
There is no Montana-specific education requirement for CE. Those who completed Pre-Licensure Education (PE) that same year do not need to complete CE.
Official source

Have a license or permit? Use the expiration date printed on it to set up your calendar and reminders.

What does it cost?

Renewal fee

$100

Last verified Oct 25, 2026 — source and quotation
Mortgage Loan Originators Renewal Fee: $100
Official source

Confirm the charges and conditions for your application with the official agency.

What are the common questions?

How often do I renew a mortgage loan originator license in Montana?

All Montana licenses must be renewed annually between November 1st and December 31st through the Nationwide Multistate Licensing System (NMLS).

Source and quotation
All Montana licenses must be renewed annually between November 1st and December 31st through the Nationwide Multistate Licensing System (NMLS).
Official source

Last verified Oct 25, 2026

Which official sources support this guide?

Official sources and verification (13)

Last verified Oct 25, 2026. Each quotation supports the corresponding published value.

Board

Montana Division of Banking and Financial Institutions

Montana Division of Banking and Financial Institutions

The Montana Division of Banking and Financial Institutions does all of its licensing through the Nationwide Multistate Licensing System (NMLS).
Official source

Last verified Oct 25, 2026

Official agency page

Open the official agency page

https://banking.mt.gov/BFID/mortgage-consumer-finance/MLO

The Montana Division of Banking and Financial Institutions does all of its licensing through the Nationwide Multistate Licensing System (NMLS).
Official source

Last verified Oct 25, 2026

Apply with the agency

Open the official agency page

https://banking.mt.gov/BFID/mortgage-consumer-finance/MLO

The Montana Division of Banking and Financial Institutions does all of its licensing through the Nationwide Multistate Licensing System (NMLS).
Official source

Last verified Oct 25, 2026

Qualifications / Required hours

20 hours of pre-licensure education plus 2 hours of Montana-specific education.

20 hours of pre-licensure education plus 2 hours of Montana-specific education.

All new loan originator applicants must first complete 20 hours of pre-licensure education (PE) plus 2 hours of Montana-specific education before they can apply for a Montana license through NMLS.
Official source

Last verified Oct 25, 2026

Qualifications / Exam

National SAFE MLO Test Component with uniform state content.

National SAFE MLO Test Component with uniform state content.

The Montana Division of Banking and Financial Institutions has adopted the National SAFE MLO Test Component with uniform state content effective July 1, 2013.
Official source

Last verified Oct 25, 2026

Fees / Renewal

$100

100

Mortgage Loan Originators Renewal Fee: $100
Official source

Last verified Oct 25, 2026

Renewal period in years

1 years

1

All Montana licenses must be renewed annually between November 1st and December 31st through the Nationwide Multistate Licensing System (NMLS).
Official source

Last verified Oct 25, 2026

Renewal

All Montana licenses must be renewed annually between November 1st and December 31st through the Nationwide Multistate Licensing System (NMLS).

All Montana licenses must be renewed annually between November 1st and December 31st through the Nationwide Multistate Licensing System (NMLS). Applies to: Montana mortgage loan originator licenses

All Montana licenses must be renewed annually between November 1st and December 31st through the Nationwide Multistate Licensing System (NMLS).
Official source

Last verified Oct 25, 2026

Continuing education hours

8 hours

8

MLOs must complete 8 hours of Continuing Education (CE) in order to renew their license.
Official source

Last verified Oct 25, 2026

Continuing education topics

No Montana-specific CE is required; CE is not required in the year pre-licensure education is completed.

No Montana-specific CE is required; CE is not required in the year pre-licensure education is completed.

There is no Montana-specific education requirement for CE. Those who completed Pre-Licensure Education (PE) that same year do not need to complete CE.
Official source

Last verified Oct 25, 2026

Reciprocity

Education credit: qualifying NMLS-approved continuing education completed for another state is credited toward Montana CE.

Education credit: qualifying NMLS-approved continuing education completed for another state is credited toward Montana CE.

A person who has successfully completed the education requirements that comply with the requirements of subsections (1) and (2) and that are approved by the NMLS for any other state must be given credit toward completion of continuing education requirements in Montana.
Official source

Last verified Oct 25, 2026

Agency guidance

A Montana license is required for residential mortgage loan originators unless exempt under 32-9-104; sponsorship by a Montana-licensed company or branch is required.

A Montana license is required for residential mortgage loan originators unless exempt under 32-9-104; sponsorship by a Montana-licensed company or branch is required.

The Montana mortgage loan originator license is for any residential mortgage loan originator, unless exempt under 32-9-104 Montana Mortgage Act - Proof of Exemption. Loan Originators are required to be sponsored by a MT-licensed company or branch.
Official source

Last verified Oct 25, 2026

Agency guidance

Renew through the agency's annual-renewal instructions: https://banking.mt.gov/BFID/renewal

Renew through the agency's annual-renewal instructions: https://banking.mt.gov/BFID/renewal

All Montana licenses must be renewed annually between November 1st and December 31st through the Nationwide Multistate Licensing System (NMLS).
Official source

Last verified Oct 25, 2026

Not yet verified: license fee — see the official agency.

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What should I explore next?

Mortgage loan originator in neighboring states

Neighboring states use Census adjacency data, including water and point boundaries.

Related licenses in Montana

What’s my next step?

Last verified Oct 25, 2026.

Official sources (2)

Not legal or tax advice. Confirm with the official agency before filing.